论互联网金融之法律监管进路——兼及《关于促进互联网金融健康发展的指导意见》

发布时间：2018-01-16 08:10

本文关键词：论互联网金融之法律监管进路——兼及《关于促进互联网金融健康发展的指导意见》　出处：《上海商学院学报》2016年04期 　论文类型：期刊论文

【摘要】：互联网金融是互联网与金融深度结合后的金融创新,是互联网时代下的金融变革,其乃互联网技术进步与金融压抑共同促发而成,是金融改革之势所趋,但其亦具有引发风险、侵损投资者利益的潜在危险,故应对之进行法律监管,然互联网金融的法律监管却面临"或任其野蛮生长,或遏阻其发展"的两难境地。究其症结,乃是基于传统法律监管路径所形成消极管制思维所致。如此,政府应跳出传统法律监管思维窠臼,以互联网思维重新发现互联网金融法律监管之道,即在互动监管模式下,通过互联网金融于其自治空间内的不断试错,政府基于互联网金融市场逻辑的监管经验扬弃,以及二者介以互动桥梁的持续互动,找寻互联网金融发展与法律监管目标的平衡之道,从而使互联网金融法律监管困局得以最终纾解。
[Abstract]:Internet banking financial innovation is the combination of the Internet and financial depth, is the Internet era of financial reform, which is the Internet technology progress and promote common financial repression and financial reform is the trend, but it is also the risk of potentially dangerous damage the interests of investors, thus it is necessary to conduct legal supervision however, the legal supervision of Internet banking is facing "or any of its barbaric growth dilemma, or prevent its development. The crux of the problem, but the traditional legal regulation path based on the formation of negative control thinking. So, the government should jump out of the traditional thinking pattern of legal supervision, the Internet thinking to find Internet banking supervision law that is, in the interactive supervision mode, through trial and error on the Internet financial autonomy space, government supervision experience of discarding the Internet financial market based on logic, as well as the two With the continuous interaction of interactive bridges, we seek for a balance between Internet financial development and legal supervision objectives, so that the difficulties of Internet financial legal supervision can be finally relieved.

【作者单位】：厦门大学嘉庚学院;
【分类号】：D922.28
【正文快照】： 一、互联网金融及其法律监管困局:野蛮生长,抑或遏阻发展的两难境地狄更斯曾言:“这是一个最好的时代,这是一个最坏的时代。”深处社会变革之中,人们深知此言意味。在互联网浪潮高歌猛进的今天,商业业态发生着剧烈变化,此等变化予人欣喜,却又让人手足无措,其中,金融业作为现

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